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Flat 2, 9 Westbourne Gardens, Folkestone, CT20 2JA

UPRN:50031853Converted Flat1 bedsBuilt England and Wales: before 1900
LeaseholdCouncil Tax: -EPC: C (73)AI-Powered Intelligence
Data freshness:Listing· freshListing: fresh, refreshed 4d ago (2026-09-17T04:00:02.382776+00:00)Price Paid· 2mo agoPrice Paid: ageing, refreshed 2mo ago (2026-08-01T00:05:07.844309+00:00)Planning· 1mo agoPlanning: ageing, refreshed 1mo ago (2026-08-09T07:34:40.815391+00:00)EPC· 4mo agoEPC: stale, refreshed 4mo ago (2026-05-20T10:58:39.129138+00:00)Risk· 3mo agoRisk: ageing, refreshed 3mo ago (2026-07-04T06:46:22.443816+00:00)Crime· 2mo agoCrime: ageing, refreshed 2mo ago (2026-08-02T05:17:47.239173+00:00)Connectivity· 3mo agoConnectivity: ageing, refreshed 3mo ago (2026-07-04T20:23:28.637306+00:00)Schools· 3mo agoSchools: ageing, refreshed 3mo ago (2026-07-07T09:14:45.605452+00:00)Amenities· 3mo agoAmenities: ageing, refreshed 3mo ago (2026-07-05T20:05:00.707256+00:00)Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
Flat 2, 9 Westbourne Gardens, Folkestone, CT20 2JA
Location map - no listing photos available

HP Score

High Potential
Verdict
yesterday
  • BUY
    Strong overall fundamentals
  • INVESTIGATE
    Some risks
  • AVOID
    High risk factors
Confidence
High
Sale Estimate
£146,000
£139k - £153kHigh
Estimate
£146k
Range
£139k – £153k
Rent Estimate (pcm)
£800
£750 - £850Medium
Monthly
£800
Yield
5.87%

AI Verdict

Derived from HomePortfolio scores

AI summary

Flat 2 earns a BUY rating with HP Score 83/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is very low. Walkability is good (71/100). Flood risk is rated very low. Tenure is leasehold. Verdict and headline figures are derived from the live HomePortfolio API; narrative deep-dives below combine real signals with modelled analytics.

Key SourcesEPC RegisterZoopla ListingsHP Property IntelligenceOfcom Connected NationsMobile Coveragevalue historyplanning signalsgaz salesHP Walkability v2ONS Census 2021Police.ukPlanIt / LA PortalsHMLR CCODHMLR CovenantsHMLR Price PaidEnvironment Agency RoFRaSDefra Noise MapOSM AmenitiesOfsted / GIAS
HP Score
83/ 100
High
Investment Score
72/ 100
High
Crime Score
5/ 100
Low
Walkability
71/ 100
High
Transit & Bike
High
Real Data

Opportunity

Not scored as an opportunity

We will not put a number on this one.

  • listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity
  • listing is a house but the valuation basis is the whole flat at this UPRN - value evidence is not comparable

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions
£20,000

At the asking price

£800/mo

Evidenced range £750-£850

5.4%
75%
Cash required
£7,300
Net cash flow
£486/mo
Cash on cash
79.9%
Score at this price
-

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 11.85 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

  • Score confidence is low

    largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

  1. 1. Commission a full structural survey, not a basic condition report.

    The score prices market evidence, not the fabric of the building.

Every step above was generated from a specific gap or flag in the evidence - no generic advice, no invented tasks.

Valuation & Market

Sale Estimate£146,000
Rent Estimate (pcm)£800
Gross Yield5.87%
1y Growth-
3y Growth+2.6%
5y Growth+1.6%
10y Growth+5.3%
Last Sold Price£145,000 (2022-03-11)
View Market Details

Risk Overview

  • Flood RiskVery low
  • Subsidence3
  • RadonLow
  • MiningUnknown
  • Landslide3
  • Air QualityUnknown
  • NoiseLow
View Full Risk Report

Planning Activity

Recent Apps
1CT20 2JA
Approval Rate
100%12mo
Development
low
  • 26/1110/FH/TCA
    Works to trees in a conservation area comprising of T1 Conifer fell to ground level.
    Approved
View Planning Timeline

Ownership

  • Corporate Ownership55.9%
  • Overseas OwnershipNo
  • Lease Term Remaining-
  • CovenantsRestrictive
  • Lease TypeLeasehold
  • Last Ownership Change2022-03-11
  • SourceLand Registry
View Ownership Details

Connectivity

Broadband (Standard)
16 Mbps
Mobile 4G/5G Coverage
-
EV Charger
-
PTAL Rating
-
View Connectivity Map

Area Profile

Median Household Income£31,907
Population Density6,414 /km²
Owner Occupied48%
Age Distribution
0-15 9%16-64 57%65+ 34%
View Area Profile

Schools Nearby

  • School of English Studies
    0.2 mi
    -
  • Earlscliffe (Sussex Summer Schools Ltd)
    0.3 mi
    Inspected by ISI
  • The Folkestone School for Girls
    0.5 mi
    Good
  • Sandgate Primary School
    0.5 mi
    Report card2026

    Ofsted no longer awards a single overall grade.

5 of 10 nearby schools with published figures were oversubscribed in 2025 - demand, not a catchment.

View All Schools

Comparables

View All
  • 10 Westbourne Gardens
    -
    £355k
    -
  • 9 Westbourne Gardens
    -
    £125k
    -
  • 9 Westbourne Gardens
    -
    £147k
    -
  • 9 Westbourne Gardens
    -
    £145k
    -